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Dexterity and quick thinking in a changing world
Actionable Intelligence
explained
May 2014
CONFIDENTIAL & NOT FOR EXTERNAL DISTRIBUTION
To explain the importance of actionable
intelligence so as to increase our ab...
Actionable Intelligence
“We can get to the truth of the matter when other people cannot; we can turn information
that may ...
Context
Fraud is rising, and the nature of it is shifting
 Overall impact in 2012 – 2013* = £52billion, made up of:
 £21...
Progress
 There are initiatives that are having an impact, e.g. the City of London Police’s
Insurance Fraud Enforcement D...
Monday 28 October 2013
Danyal Buckharee was jailed for 3
years after starting up First Car
Direct Insurance and three othe...
Buckharee (left) was sentenced to three years in jail.
Below, the ‘office’ where he began his fraudulent
business – an apa...
How to spot a ‘Ghost broker’?
 Ghost brokers often communicate with customers via free internet messaging on
mobile phone...
Using Actionable Intelligence to combat the Ghost Broker
 Step 1: Assess the evidence
 How have they contacted you?
 Pa...
E-mail Fraud
 We are seeing a growing prevalence of fraudsters using hacked email accounts to ask for
money for fake emer...
What is Actionable Intelligence?
Information*:
Facts or opinions provided or learned about something or someone.
Intellige...
What is Actionable Intelligence?
Information that is:
 Relevant to your purpose
 Accurate
 From reliable sources
 And,...
Actionable Intelligence: The Process
 Assemble the facts. What are you dealing with?
 What do you want/need to do about ...
Information and Intelligence from Open Source Research
Note – this list is not exhaustive!
Channels and sources for intell...
Actionable Intelligence: The Process
 What do you do with it?
 Collate
 Analyse. Deduce. Ask questions.
 Intelligence ...
The Example: Track and Trace
AI was asked by one of our clients to Trace and Interview a previously non-
cooperative polic...
The Example: Person Trace
AI was instructed to conduct a person trace investigation relating to an individual
who owed our...
Conclusion
 Fraud is growing and affects everyone
 You need a prevention rather than a cure
 Deterrence is key
 There ...
Armour Intelligence
About AI
 Specialties:
 Insurance Investigations, Security Assurance, Risk Reviews
 Proven track re...
AI Online
For more information on Actionable Intelligence, or any of our other specialities, get
social with us at:
http:/...
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Armour Intelligence: Actionable Intelligence explained

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Actionable Intelligence explained: A presentation to the LMA (Lloyd's Market Association) by Armour Intelligence, specialists in fraud detection and deterrence

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Armour Intelligence: Actionable Intelligence explained

  1. 1. Dexterity and quick thinking in a changing world Actionable Intelligence explained May 2014
  2. 2. CONFIDENTIAL & NOT FOR EXTERNAL DISTRIBUTION To explain the importance of actionable intelligence so as to increase our ability to combat fraud Our aim
  3. 3. Actionable Intelligence “We can get to the truth of the matter when other people cannot; we can turn information that may at first seem pretty random into actionable intelligence” “The data analytics provide a good guidance and means of filtering. But, at best, all they can say is, this is likely to be fraudulent”
  4. 4. Context Fraud is rising, and the nature of it is shifting  Overall impact in 2012 – 2013* = £52billion, made up of:  £21 bn Public Sector  £21 bn Private Sector  £10 bn Individuals  Charity? £147.3 million – e.g. 17% of lottery funds  Hard crime is reducing, but fraud is increasing in the following markets:  Life insurance  Motor insurance  Home insurance *source: National Fraud Indicator 2013
  5. 5. Progress  There are initiatives that are having an impact, e.g. the City of London Police’s Insurance Fraud Enforcement Department (IFED), Action Fraud and the National Crime Agency (NCA) - But is it a losing battle?  In order to succeed in deterring fraudulent activity from being committed, we strongly recommend you to:  Lower the pain threshold  Stigmatise fraud  Advertise your deterrence  Prosecute at every opportunity It is up to you. You are the front line.
  6. 6. Monday 28 October 2013 Danyal Buckharee was jailed for 3 years after starting up First Car Direct Insurance and three other websites, the UK’s biggest fraudulent car insurance scheme. Giovanni Recchia helped Buckharee run the fake website and was jailed the same day. The pair conned 600 people into paying up to £680,000 for worthless insurance. The rise of the ‘Ghost Brokers’
  7. 7. Buckharee (left) was sentenced to three years in jail. Below, the ‘office’ where he began his fraudulent business – an apartment in South London where the crooks used an iPod to create the illusion of background office noise. Actionable Intelligence in the news: Ghost broker jailed for UK’s biggest fake car insurance scam
  8. 8. How to spot a ‘Ghost broker’?  Ghost brokers often communicate with customers via free internet messaging on mobile phones, such as BlackBerry messaging and WhatsApp.  Customers are usually asked to pay for policies in cash or by bank transfer, although some of the more elaborate scams offer payment by instalments to make the transaction seem more genuine.  Ghost brokers have been found to operate from specified websites and more increasingly on the classified advert websites such as Gumtree.
  9. 9. Using Actionable Intelligence to combat the Ghost Broker  Step 1: Assess the evidence  How have they contacted you?  Payment type?  Step 2: Intelligence checks  Is the subject company reputable? Visit website, Social Media sites and most importantly, read customer reviews online. If other people have encountered problems it is very likely they have shared them online.  Step 3: Action Research and Intelligence  If a deal seems dodgy, it probably is.  Step 4: Report to the IFED, NCA or Action Fraud.  Ghost broker reported and evidence acquired by authorities.  Outcome: Ghost broker avoided and reported
  10. 10. E-mail Fraud  We are seeing a growing prevalence of fraudsters using hacked email accounts to ask for money for fake emergencies. The fraud indicators can be overlooked but are usually fairly obvious. Look out for:  Writing Style  Unplanned holidays  “Emergencies”  Money transfers From: Louise Chaplain [mailto:louise_chapln@hotmail.com] Sent : 24 October 2013 12:12 Subject : Help............Louise Chaplin Just hoping this email reaches you well, I'm sorry for this emergency and for not informing you about my urgent trip to Warszawa,Poland but I just have to let you know my present predicament. Everything was fine until I was attacked on my way back to the hotel, I wasn't hurt but I lost my money, bank cards, mobile phone and my bag in the course of this attack. I immediately contacted my bank in order to block my cards and also made a report at the nearest police station. I've been to the embassy and they are helping me with my documentation so i can fly out but I'm urgently in need of some money to pay for my hotel bills and my flight ticket home, will definitely REFUND as soon as back home . Kindly let me know if you would be able to help me out so I can forward you the details required for a wire transfer. Waiting to hear back from you... Thank You. Louise
  11. 11. What is Actionable Intelligence? Information*: Facts or opinions provided or learned about something or someone. Intelligence*: The collection of information of military or political or commercial value Actionable Intelligence* The necessary background information that will enable someone to deal quickly and efficiently with a particular situation *Source : Oxford English Dictionary *Source: Collins English Dictionary
  12. 12. What is Actionable Intelligence? Information that is:  Relevant to your purpose  Accurate  From reliable sources  And, most importantly, timely:  Speed has a quality of its own  Timing is key in prevention and deterrence
  13. 13. Actionable Intelligence: The Process  Assemble the facts. What are you dealing with?  What do you want/need to do about it?  What information do you need to know?  Where can you get it and how?  Assets - Open source, analytics, HUMINT (Human Intelligence)  Constraints e.g. costs  Operating within the Law:  Investigators  Data protection
  14. 14. Information and Intelligence from Open Source Research Note – this list is not exhaustive! Channels and sources for intelligence include: • Newspapers - National/Local/Free • Birth, Death, Marriage Records - Local Registry Office/Church Records • Phonebooks - Yellow Pages/White Pages/Thompson Local • www. - Search Engines/Social networking sites • e.g. Google/Bing/Ask/Lycos/Yahoo • Meta & Mega Search Tools • - IncyWincy/Metacrawler • People and Company Finders • - 192/peopletracer/Zoopla/123people/Company House Worldwide • Web 2.0, Social Media and Real-Time • - Twitter/Facebook/Instagram • /MySpace/Bebo • News - Online Newspapers/TV News • Image and video search - Flickr/Photobucket/YouTube • Maps/Geographic - Crime Mapper/Google Earth • Username Search - Peekyou/Snitch.name
  15. 15. Actionable Intelligence: The Process  What do you do with it?  Collate  Analyse. Deduce. Ask questions.  Intelligence Pack  Targeted investigations  Follow up leads  Establish ground truth and intent  Produce a report - to evidential standard  Sense check. Independent verification.  Act on it:  Pass to requester  Follow up  Collateral intelligence  Store refresh and exploit
  16. 16. The Example: Track and Trace AI was asked by one of our clients to Trace and Interview a previously non- cooperative policy holder  Step 1: Review already held material  Step 2: Identify intelligence gaps  Step 3: Antecedence checks e.g. subject profiling and open source research. Checks on all known addresses, workplace location, Social Media to confirm known connections, general search – newspapers, records  Step 4: We sent an investigator to cold call, policy address and associated addresses  Step 5: The policy holder’s address was vacant, however a cold call on an address we identified as the policy holder’s parents proved successful with them calling the policy holder who then met and was interviewed by our investigator Outcome: Contact with formerly elusive subject made. Our client was able to repudiate the claims presented.
  17. 17. The Example: Person Trace AI was instructed to conduct a person trace investigation relating to an individual who owed our client money for an unpaid loan.  Step 1: Reviewing the evidence already held (minimal)  Step 2: Conducting extensive online research, including examining both open and closed publicly accessible databases, media databases and conducting other open source research  Step 3: Evidence produced of the subject’s whereabouts, known property, employment, business interests and other information of interest  Step 4: Recommendation produced backing up the evidence confirming that the subject can be traced through enquiries at his work place Outcome: Recommendation and statement of confidence produced for client determined that the subject’s lifestyle and work indicated his ability to afford the repayments on his outstanding debt. By using Actionable Intelligence we traced the subject to a workplace in Scotland, while the original intelligence listed his home being in southern England.
  18. 18. Conclusion  Fraud is growing and affects everyone  You need a prevention rather than a cure  Deterrence is key  There is too much information out there  Work out what you need to know, why, and how it can help you  Use every available [legal] source  Do not discard collateral intelligence  Follow through  Fast!
  19. 19. Armour Intelligence About AI  Specialties:  Insurance Investigations, Security Assurance, Risk Reviews  Proven track record in investigations work  Assignments for UK Government and major UK insurers; finding resolution in over 85% of all cases handled Why use AI?  Our staff – the best of a very special breed, with professionalism, training, experience and determination  Our approach – flexible and innovative, while maintaining AI standard  Real time reporting; evidential standard – cases are investigated and reported to a standard admissible in prosecutions  Speed and certainty of response – 48 hour response time. 80%+ case recommendation in 5 working days.
  20. 20. AI Online For more information on Actionable Intelligence, or any of our other specialities, get social with us at: http://www.linkedin.com/company/armour-intelligence/ https://twitter.com/ArmourIntel www.armourintelligence.com Continue to the next slide to watch our CEO, David Montgomery, discuss what Actionable Intelligence does that Big Data cannot.

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